Jaminan fidusia dalam perjanjian kredit perbankan serta peranan noatris dalam pelaksanaannya

Hidayat, Rachman (2015) Jaminan fidusia dalam perjanjian kredit perbankan serta peranan noatris dalam pelaksanaannya. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank is a financial institution which is imposed to various types of risks, thus the precautionary principle (prudent banking practices) is mandatory in banking practice. One of the requirements under the credit facility agreement which is important is the necessity of collateral provisions as the legal protection for the bank. In this case one of the appropriate security interests which could provide legal protection to the bank or is the Fiduciary Transfer Security as governed by Fiduciary Law No. 42 of 1999. For this research, data collection was made by using normative juridical method as performed by reviewing through all relevant laws and regulations which is related to legal issues that are being discussed in this research, namely the provision of credit facility with the Fiduciary Transfer Security Interest. From the research it is acknowledged that such security is having the executorial power to be enforced/preserved by the holder of Fiduciary Security Transfer Security Interest, however nowadays the Fiduciary Security Interest is still unsecure for the Bank or Creditor. In practice Notary itself is responsible for the preparation of Deed of Fiduciary Transferr and the fiduciary transfer security registration in the fiduciary registration office , nonetheless the execution of the deed prepation are still uncomply with the applicable law, therefore the notary need to further consider and provide attention to the regulations in regards with the Notary Duty Law and Financial Services Authority. / Bank merupakan lembaga keuangan yang berkaitan dengan berbagai jenis risiko, sehingga dalam menjalankan kegiatan usahanya prinsip kehati-hatian (prudent banking practice) menjadi suatu kewajiban. Salah satu persyaratan pada perjanjian kredit adalah adanya jaminan sebagai perlindungan hukum. Dalam hal ini lembaga jaminan yang dapat memberikan perlindungan hukum adalah jaminan fidusia yang diatur oleh Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia. Dalam penelitian ini, pengumpulan data dilakukan dengan menggunakan metode yuridis normatis yang dilakukan dengan menelaah semua undang-undang dan regulasi yang berhubungan dengan isu hukum yang menjadi pembahasan dalam penelitian ini yaitu pemberian kredit menggunakan jaminan fidusia. Dari penelitian itu diketahui bahwa jaminan fidusia memiliki kekuatan eksekutorial, sayangnya pendaftaran jaminan fidusia di Indonesia masih bermasalah. Notaris sendiri dalam pelaksanaannya bertanggung jawab membuat dan mendaftarkan akta jaminan fidusia pada Kantor Pendaftaran Fidusia, namun masih terdapat penyimpangan dalam pembuatan aktanya, sehingga notaris perlu lebih untuk memperhatikan ketentuan peraturan Jabatan Notaris dan Otoritas Jasa Keuangan.

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